Accepting digital banking

African banks are more vulnerable to disruptions unlike their international counterparts because the newer alternatives are always preferable, owing to infrastructural challenges.

A lot will prefer internet banking to avoid traffic for example, just as millions of Africans jumped from owing computers to buying smartphones.

There is no requirement that unbanked Africans will first get bank accounts before adopting digital banking as ecosystems converge making it possible for people to buy and sell without a bank. African banks will have to improvise be part of the new banking sector.